We have a car registered in my name with DVLA.
Insured in my name with the wife as the extra named driver.
Just bought another car so now have 2 – both in my name.
Getting insurance quotes for newer car tonight and it came to light that my 9-plus years NCB can only be used on one car, so new car insurance is pricey as my NCB is irrelevant on this car. Same deal – me as named driver with wife secondary.
The first car is effectively her car now as she drives it more than me.
To get the cost of the second car insurance down can I swap the first car insurance so she is the main diver and therefore using her NCB…meaning my NCB could be ‘activated’ for the new car to bring the insurance cost down? Is it that simple?
I hope that makes sense.
If not that easy, is it a case of changing the ownership of the first car with the DVLA?